*This cover is per person listed in Your policy. This is general advice only. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Please refer to the Combined Financial Services Guide and Product Disclosure Statement before making a decision about this insurance. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Its managing agent, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority. Limits, exclusions and conditions apply.